Please read these terms carefully before using this website. Using the site indicates that you accept these terms.

Use of site

Wealthbydesignasia.com (the "Site") is operated by Wealth by Design Sdn Bhd ("WbD"), incorporated in Malaysia.

We may at any time change these terms and you should therefore periodically visit this page to review the then current terms to which you are bound.

Unless otherwise noted, you should assume that the copyright in everything you see or read on the Site including but not limited to any designs, text, graphics, source code, or software belongs to WbD. Your access to it does not imply a license to reproduce and/or distribute this information which means that you cannot reproduce, modify, publicly display or distribute the contents of this Site without the prior written consent of WbD.

The trademarks and logos displayed on the Site are the registered and unregistered trademarks of their respective owners. Use of the trademarks displayed is strictly prohibited. You are advised that the owners of the trade marks will aggressively enforce their intellectual property rights to the fullest extent of the law, including seeking criminal prosecution.

You agree that you will not use the Site or our services to carry out any "data mining" services to collect or collate information about the identities and offers of our clients and/or advertisers.

About the information

WbD uses reasonable efforts to include accurate and up to date information. However, WbD makes no warranties or representations as to its accuracy. In particular, WbD assumes no liability or responsibility for any errors or omissions in the content of the Site.

Everything on the Site is provided on an "as is" basis without any representation, endorsement or warranty of any kind, either express or implied, including, but not limited to, warranties of title, merchantability or fitness for a particular purpose or non-infringement.

Submitted information

Any information you provide to WbD through or in connection with this Site will be treated as non-confidential and non-proprietary. Anything you transmit or post becomes the property of WbD or its affiliates who are free to use the information for any purpose.

You agree that no Submissions provided by you to the Site will violate any right of any third party, including copyright, trademark, privacy or other personal or proprietary right(s). You are and shall remain solely responsible for the content of any Submissions you make.

Through your usage of this Site, you may submit and/or WbD may gather certain limited information about you and your Site usage. WbD is free to use such information as stated in our Privacy Policy

Links to other websites

This Site may contain links to other websites. These are provided solely as a convenience to you and access to any of these linked sites is at your own risk.

WbD does not control and is not responsible for any of these sites or their content.

WbD does not allow unauthorised hypertext links to the Site.

Limitation of liability

You agree that your use of the Site is at your sole risk and that you are responsible for all costs associated with your access to, or use of, the Site. WbD, its directors, employees or any other representative will not be liable for any damages, losses, costs, claims or demands of any kind, whether direct, indirect, compensatory or consequential, related to your use of this Site or the information content, materials or products included on this Site. These terms are governed by Malaysia law and any dispute will be resolved exclusively by the Malaysian courts.

Policy of Acceptable Use

In using the services provided by WbD on the Site, you agree not to:

1. violate any law, statute or regulation (including but not limited to the Communications and Multimedia Content Code);
2. infringe the copyright, patent, trademark, trade secret or other intellectual property right of any party, including but not limited to WbD;
3. sell counterfeit goods;
4. sell any goods or provide any services prohibited by law;
5. engage in money laundering activities;
6. engage in gambling activities;
7. engage in any immoral activity or potentially immoral activity, including but not limited to prostitution and pornography;
8. impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
9. act in a manner that is defamatory, libelous, threatening or harassing;
10. provide false, inaccurate or misleading information;
11. engage in potentially fraudulent, suspicious or illegal activity and/or transactions;
12. "stalk" or otherwise harass another user of the Site ("User");
13. send unsolicited emails to any User or use WbD's services to collect payments for sending, or assisting in sending unsolicited emails to third parties;
14. disclose or distribute another User’s personal information to a third party, or use such information for marketing purposes without the express consent of that User;
15. take any action that imposes an unreasonable or disproportionately large load on WbD's infrastructure;
16. upload, or cause to be uploaded, any content to the Site that contains viruses, or any other items that may damage, interfere with, or adversely affect or hinder access to the Site;
17. engage in, nor cause other Users to engage in, spamming, phishing, improper, malicious or, in WbD's absolute discretion, fraudulent clicking, impressions or marketing activities relating to the Site;
18. in WbD's absolute discretion, reflect poorly on or tarnish the reputation of WbD;
19. modify, adapt, reformat, recompile, transmit, publish, license, reverse engineer, disassemble, reconstruct, decompile, copy or create derivative works of, transfer or sell any services on the Site or part thereof, including source codes or algorithms, except as expressly authorised by WbD in writing, or to the extent permitted by law;
20. alter, remove, cover or otherwise deface any identification, trademark, copyright or other notice from any aspect of the services on the Site;
21. use any automation software, hacks, mods or any other unauthorised third-party software designed to access, crawl or collect from WbD's services; and
22. use any unauthorised third party software that intercepts, “mines” or otherwise collects information from or through WbD.

Changes to these Terms and Conditions

The nature of our business is constantly evolving and therefore our Privacy Policy and these Terms and Conditions may also change over time. You should check the Site frequently to see if any recent amendments or additions have been made.

Wealth by Design Sdn Bhd ("we" or "us") is the operator of www.wealthbydesignasia.com (the "Website"), and we are committed to safeguarding your personal data.

This Privacy Policy (together with our Terms and Conditions and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.

Unless restricted by applicable law, you agree that any and all personal data relating to you collected by us from time to time may be used and disclosed for such purposes and to such persons as set out in this Privacy Policy.

We may amend this Privacy Policy at any time by posting a revised version on the Website. However, an individual notice will not be sent to you. You will be deemed to have acknowledged and agreed to the amended Privacy Policy if you continue to use the Website after the changes have taken effect. You are reminded to check for updates to this Privacy Policy prior to using the Website.

COLLECTION OF PERSONAL DATA

1.1 You can use and browse the Website without disclosing your personal data. You are not required to provide personal data as a condition of using the Website, except as may be necessary to respond to your requests or in cases where you contact us directly.

1.2 We collect personal data only when you provide it to us, through registration, completion of forms, emails, inquiries and requests and similar situations in which you have chosen to provide the information to us. Thus we may collect and process the following data about you:

• information that you provide when carrying out transactions with us on or in relation to the Website, including information relating to any purchases that you make on the Website;
• information that you provide when you register an account with us on the Website;
• information that you provide when contacting us to resolve any issues that you may be facing;
• information that you provide for the purpose of subscribing to the services that we are providing on the Website, email notifications, and/or newsletters; and
• details of your visits to the Website including, but not limited to traffic data, location data, and the resources that you access.

PURPOSES OF USE

2.1 All information collected, including personal information, may be used by us in the aggregate or individually and may be combined with other information for purposes including but not limited to the following:

• administering the Website;
• improving your browsing experience by personalising the Website;
• enabling your use of the services available on the Website;
• providing to you services that you have specifically requested;
• responding to your enquiries or requests pursuant to your emails and/or submission of form(s) on the Website;
• responding to and taking follow-up action on complaints;
• sending you general (non-marketing) commercial communications;
• performing office and operational administrative matters; and
• providing third parties with statistical information about our users – but such information will not be used to identify any individual user.

2.2 We will not, without your express consent, provide your personal data to third parties for the purposes of direct marketing.

SECURITY

3.1 We will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information.

3.2 We will store all the personal information you provide on our secure servers. All electronic transactions you make to or receive from us will be encrypted using SSL technology.

3.3 You however understand that the transmission of information via the Internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to the Website; any transmission is at your own risk.

3.4 Where we have given you (or where you have chosen) a password which enables you to access certain parts of the Website, you are responsible for keeping this password confidential. We ask you not to share a password with

anyone. We will NEVER ask you for your password other than when you log in to the Website.

DISCLOSURE OF PERSONAL DATA

4.1 We may disclose your personal data to any member of our group, which means our affiliates and subsidiaries. We may also disclose your personal data to third parties such as our service providers and professional advisors.

4.2 If we are under a duty to disclose or share your personal data in order to:

• comply with any legal obligation;
• to enforce or apply our Terms and Conditions and other agreements;
• protect the rights, property, or safety of us and our affiliates and subsidiaries, other users of the Website, or others;
• in connection with any legal proceedings or prospective legal proceedings; and
• to the purchaser, or prospective purchaser of any business or asset which we are, or are contemplating, selling.

IP ADDRESSES

5.1 When you use the Website, we may collect and store information about your computer, including where available your IP address, operating system and browser type, for system administration. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.

COOKIES

6.1 The Website uses cookies to distinguish you from other users of the Website. This helps us to provide you with a good experience when you browse the Website and also allows us to improve the Website.

INTERNATIONAL DATA TRANSFERS

7.1 You acknowledge and consent to the fact that we may temporarily store, process or transfer your personal data between any of the countries in which we operate in order to enable us to use your personal data in accordance with this Privacy Policy and our Terms of Service.

7.2 We will take all steps reasonably necessary to ensure that your personal data is treated securely and in accordance with this Privacy Policy.

THIRD PARTY WEBSITES

8.1 The Website may, from time to time, contain links to and from the websites of our partner networks and vendors. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.

DISCLAIMER

9.1 We shall not be liable for any voluntary disclosure of personal information by you to other users of the Website.

CONTACT US

10.1 Should you require further information about the treatment of your personal information by us, please do not hesitate to contact our Privacy Officer at: dean@wealthbydesignasia.com.